Once Foreclosure has Begun

The Community Health Law Project (CHLP) has limited funds that it is devoting to assist with foreclosure, short sales, reverse mortgage and other issues involving foreclosure. To be eligible for assistance, you must live in one of the following counties: Atlantic, Burlington, Camden, Cumberland, Essex, Gloucester, Ocean, Salem or Union; and you must have an income that falls at or below 250% of the poverty level. To learn more about this program, call CHLP's Collingswood office (856-858-9500) on Monday, Wednesday or Friday from 9:30 am - 5:00 pm or email them at collingswood@chlp.org

By dialing a toll-free number, 1-888-LSNJ-LAW (1-888-576-5529), callers can access a statewide legal hotline which provides legal information, advice, and referral to low-income residents of New Jersey with civil legal problems (criminal cases are referred).

This service is provided at no charge but applicants must be financially eligible to qualify. The hotline handles all cases over the telephone and does not provide ongoing legal representation. The hotline is open from Monday through Friday, 8:00 am to 5:30 pm.

If you are having trouble getting through on the hotline due to call volume, you can fill out an online form and someone will get back to you as soon as possible. Inquiries are responded to in the order in which they are received. You may be able to find answers to your legal problems on their self-help website.

Lawyer Referral Services

The County Bar Associations located throughout New Jersey offer lawyer referral services to the public. Generally, these services will set you up with a qualified lawyer who specializes in your area of legal need, who will conduct an initial assessment with you for a small fee. Most County Bar Association lawyer referral services are not free.

Visit the NJ State Bar Association for a list of County Bar Associations. Locate your county of residence and contact the appropriate service. Do not contact referral services that are outside of your local county.

Tenants Rights are Protected in the Event of Foreclosure

Residential tenants in New Jersey cannot be evicted solely because the property where they live is in foreclosure or has been foreclosed. The law protects tenants against eviction and provides some protection from utilities being shut-off. To learn more, call the New Jersey Tenants’ Organization at 201-342-3775 or the New Jersey Department of the Public Advocate, Office of Citizen Relations at 609-826-5070. Read the Toolkit for Tenants Living in Foreclosed Properties.

New Jersey Tenant Organization

The New Jersey Tenants Organization (NJTO) is the oldest, largest statewide tenant membership organization in the United States. To learn more you may contact them at NJTO, 389 Main Street, Hackensack, NJ 07601; Telephone: 201-342-3775; Fax: 201-342-3776; E-mail: info@njto.org; or visit their Web site.

If you are homeless

There are shelters located in every county of our state.